Cross-Platform Personal Finance Assistant

Managing personal finances in the digital age is an ongoing challenge, often requiring individuals to rely on multiple tools that are either platform- dependent or lack automation. This paper presents a Cross-Platform Personal Finance Assistant, a unified mobile application built with React Native, designed to intelligently track expenses, manage budgets, and improve financial literacy. The application integrates the smartphone’s camera and Optical Character Recognition (OCR) modules to scan receipts and automatically extract expenditure data, eliminating manual entry errors. Extracted information is stored securely in the cloud using Firebase or Neon databases, safeguarded through AES-256 encryption, and aligned with international data protection standards such as GDPR and ISO/IEC 27001. Additionally, the system integrates AI-powered chatbot assistance using models like Gemini to provide personalized budgeting advice, spending insights, and interactive financial education. To sustain user engagement, the app incorporates gamified features such as progress badges, leaderboards, and goal-based achievements. Together, these components create an interactive, intelligent, and secure ecosystem for financial management. This research paper discusses the design architecture, implementation methodology, testing procedures, results, and future scope of the proposed assistant.